The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,094
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,373
−HK$1,298/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$46,329
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,717
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,244/mo
Today · 4.125%
HK$48,187
baseline
▲ 0.50% · 4.625%
HK$50,727
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,374/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,313
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,847
−HK$1,559/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,594
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,861
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,332
−HK$1,492/mo
Today · 4.125%
HK$57,824
baseline
▲ 0.50% · 4.625%
HK$60,873
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,648/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,532
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,818/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,860
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,721
−HK$1,741/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,018
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,970
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,271
−HK$2,338/mo
Today · 4.125%
HK$78,609
baseline
▲ 0.50% · 4.625%
HK$83,392
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,218/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,291
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,498
−HK$2,239/mo
Today · 4.125%
HK$86,737
baseline
▲ 0.50% · 4.625%
HK$91,309
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,474/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,819 · Scale 2, in force from 26 Feb 2026)